McCoy Lake Area
Room to spread out, great value
The quick answer
McCoy Lake Area is a neighborhood, part of Pine River Area Schools. Homes here typically sell for around $220,000.
8 homes for sale·Median $220K·Walkability 0.0/10
...and what really strikes you out here is the sheer space—16-plus acres the norm, so you're not looking out at neighbors' rooflines. Roads wind through woods and open fields with plenty of cleared corners and hilltops offering views and breathing room. The modern log homes and ranch builds tend to be well-maintained, many of them newer or recently remodeled, with the kind of detached garages and pole barns that come in handy when you've got land to work with.
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Why people love it here
14.3 acre avg lots
- 2,232 homes
$220K median
- 15 sales in last 12mo
Conventional Mortgage Calculator
Median home price in McCoy Lake Area
Estimated Monthly Payment
$1,494/mo
Property tax and insurance are estimates you can edit — not a quote. Tap either figure to enter your own.
The interest rate shown is not an annual percentage rate (APR). Rate displayed is the current average 30-year fixed rate from the Freddie Mac Primary Mortgage Market Survey and is subject to change without notice. Your actual rate, payment, and costs may vary. Contact a loan officer for a personalized quote.
Guild Mortgage NMLS #3274. Equal Housing Opportunity. NMLS Consumer Access. Not a commitment to lend. All loans subject to underwriter approval; terms and conditions may apply. Subject to change without notice. Always consult an accountant or tax advisor for full eligibility requirements on tax deduction.
15 homes sold in McCoy Lake Area this year. Thinking of selling?
See what your home is worthMedian Sale Price
$220K
15 sales in last 12mo
Parks Nearby
0
within 1 mile
Nearest Park
Rose Lake Forest Beach Access
2.1 mi
Expected Rent
$1,075/mo
$950 – $1,200 · wider-area estimate
Crime in McCoy Lake Area is reported at the city level, not the neighborhood level. The FBI doesn't publish reliable crime rates for individual neighborhoods, and within any community crime varies street to street. For an accurate, comparable picture, see the jurisdiction-wide figures for Osceola County.
Osceola County crime & safety stats →To buy a median-priced McCoy Lake Area home (around $220,000) at today's 6.65% 30-year fixed rate with 20% down, you'd need roughly $40k/year in household income to qualify — an estimated monthly payment of $1,482 (principal, interest, property tax est., and insurance).
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $1,482/mo | $39,516 |
| 10% (+PMI) | $1,706/mo | $45,482 |
| 5% (+PMI) | $1,781/mo | $47,488 |
Estimates use a 6.65% 30-year fixed rate (current Freddie Mac average), an aggressive ~45% housing-to-income ratio (roughly what FHA underwriting can allow for a buyer with no other monthly debts — your number depends on your debts and credit), this area's median sale price, plus estimated insurance and PMI below 20% down. Not a commitment to lend, and not an APR — your actual rate and payment will vary.
Land for sale
Listings
4 parcels
Active / pending
Typical Land Value
$9K/acre
Median asking
Median Price
$31K
Per listing
Who actually lends in McCoy Lake Area, and how homes here are financed — from 2024 federal mortgage records.
Loans to buy a home
Most active lenders
Source: 2024 HMDA (CFPB/FFIEC). Neighborhood figures are area-weighted estimates from census-tract data; loan amounts are rounded and all-cash purchases are excluded.
Solar potential
~$899/yr in electricity from a typical rooftop solar system
Produces ~6,288 kWh/yr · offsets ~60% of a typical home's use
Utility, solar, and service details for McCoy Lake Area are compiled from public records, municipal sites, and NREL / U.S. data.gov, and can change. Electric/gas can vary by address — confirm with the provider before relying on them.
Flood Risk
None
Not in flood zone
Nearest Park
Rose Lake Forest Beach Access
2.1 mi
Parks Nearby
0
within 1 mile
🍕 Restaurants(2)
Travler Bar
Restaurant
Restaurant
🌳 Parks(3)
🚴 Trails(1)
White Pine Trail
Bike Path
Atlas — Grand Rapids Real Estate
Local real estate specialists
Questions about McCoy Lake Area? Our team can help with availability, schools, and what it's really like to live here.
Living in McCoy Lake Area: the details
Is McCoy Lake Area a good place to live?
If you're after room to spread out on larger lots, McCoy Lake Area is worth a close look — here is what the data shows. Day to day, it is mostly a drive-first area, so you will use a car for groceries, dining and errands. This neighborhood is part of Pine River Area Schools. Expect prices centered around $220,000.
What does it cost to live in McCoy Lake Area?
The median home value in McCoy Lake Area is about $220,000. There are 8 homes for sale here right now and 15 homes sold here in the past year.
Frequently asked about McCoy Lake Area
- What do homes cost in McCoy Lake Area?
- The median home value in McCoy Lake Area is about $220,000. Individual prices vary by street, size, and condition.
- How active is the McCoy Lake Area housing market?
- there are 8 homes for sale in McCoy Lake Area right now, and 15 homes sold here in the last 12 months. Listings refresh throughout the day from the MichRIC MLS.
- What schools serve McCoy Lake Area?
- McCoy Lake Area is served by Pine River Area Schools.
- Is McCoy Lake Area walkable?
- McCoy Lake Area scores 0.0/10 for walkability — a measure of walking, biking, and driving access to groceries, dining, parks, schools, and transit.
